CINFCincinnati Financial

Financials · Property & Casualty Insurance · Nasdaq

We are an Ohio corporation formed in 1968. 10-K, Item 1

Employees: 5,705
Headquarters: Fairfield, OH
CEO: Stephen M. Spray
Next results: around Feb 8, 2027

CINF and 9 peers, year by year

The 9 Financials companies closest to CINF in revenue over the last twelve months. Every number is from the 10-K and links to it in SEC's Inline XBRL viewer.

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Each company's latest fiscal year
Company	Year	Revenue	Sales growth	Gross margin	Operating margin	Net margin	FCF margin	Return on equity	Debt / equity
CINF Cincinnati Financial	FY2025	$12.6B	+11.4%	-	-	18.9%	24.5%	15.0%	0.05
FIS Fidelity National Information Services	FY2025	$10.7B	+5.4%	36.9%	16.3%	3.6%	23.0%	2.7%	0.94
AIZ Assurant	FY2025	$12.8B	+7.9%	-	-	6.8%	12.5%	14.9%	-
ICE Intercontinental Exchange	FY2025	$12.6B	+7.5%	-	39.0%	26.2%	33.9%	11.5%	0.72
FITB Fifth Third Bancorp	FY2025	$9.0B	−20.0%	-	-	28.0%	43.6%	11.6%	0.67
WRB W. R. Berkley Corporation	FY2025	$14.7B	+7.8%	-	-	12.1%	-	18.3%	-
GPN Global Payments	FY2025	$7.7B	−0.4%	-	22.8%	18.2%	26.5%	6.1%	0.94
STT State Street Corporation	FY2025	$13.9B	+7.3%	-	-	21.1%	77.8%	10.6%	0.90
BX Blackstone Inc.	FY2025	$14.5B	+9.2%	-	-	20.9%	31.5%	34.8%	1.45
EG Everest Group	FY2025	$17.5B	+1.2%	-	-	9.1%	-	10.3%	-

Revenuepeer median $12.8B

Sales growthpeer median +7.3%

Operating marginpeer median 22.8%

ICE 39.0%
GPN 22.8%
FIS 16.3%
CINF -
AIZ -
FITB -
WRB -
STT -
BX -
EG -

Net marginpeer median 18.2%

FCF marginpeer median 31.5%

Return on equitypeer median 11.5%

Debt / equitypeer median 0.92

BX 1.45
GPN 0.94
FIS 0.94
STT 0.90
ICE 0.72
FITB 0.67
CINF 0.05
AIZ -
WRB -
EG -

RevenueSales growthGross marginOperating marginNet marginFree cash flowFCF marginReturn on equityDebt / equityEPS (diluted)

Revenue, FY2016 to FY2025

Revenue as reported in the 10-K.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
CINF Dec	$5.4B	$5.7B	$5.4B	$7.9B	$7.5B	$9.6B	$6.6B	$10.0B	$11.3B	$12.6B
FIS Dec	$8.8B	$8.7B	$8.4B	$10.3B	$12.6B	$9.3B	$9.7B	$9.8B	$10.1B	$10.7B
AIZ Dec	$7.5B	$6.4B	$8.1B	$9.6B	$9.6B	$10.2B	$10.2B	$11.1B	$11.9B	$12.8B
ICE Dec	$6.0B	$5.8B	$6.3B	$6.5B	$8.2B	$9.2B	$9.6B	$9.9B	$11.8B	$12.6B
FITB Dec	$6.3B	$7.0B	$6.9B	$8.3B	$7.6B	$7.9B	$8.4B	$8.7B	$8.5B	$9.0B
WRB Dec	$7.7B	$7.7B	$7.7B	$7.9B	$11.2B	-	-	$12.1B	$13.6B	$14.7B
GPN Dec	$3.4B	$4.0B	$3.4B	$4.9B	$7.4B	$8.5B	$9.0B	$7.4B	$7.7B	$7.7B
STT Dec	$10.2B	$11.3B	$12.1B	$11.8B	$11.7B	$12.0B	$12.2B	$12.2B	$13.1B	$13.9B
BX Dec	$5.1B	$7.1B	$6.8B	$7.3B	$6.1B	$22.6B	$8.5B	$8.0B	$13.2B	$14.5B
EG Dec	$5.8B	$6.6B	$7.4B	$8.2B	$9.6B	$11.9B	$12.1B	$14.6B	$17.3B	$17.5B
Peer median	$6.3B	$7.0B	$7.4B	$8.2B	$9.6B	$9.8B	$9.7B	$9.9B	$11.9B	$12.8B

Sales growth, FY2016 to FY2025

Revenue against the fiscal year before.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
CINF Dec	+6.0%	+5.2%	−5.7%	+46.6%	−4.9%	+27.8%	−31.8%	+52.6%	+13.2%	+11.4%
FIS Dec	+33.9%	−1.8%	−2.8%	+22.7%	+21.5%	+10.6%	+4.1%	+1.1%	+3.0%	+5.4%
AIZ Dec	−27.1%	−14.8%	+25.6%	+25.2%	+0.3%	+6.1%	+0.1%	+9.2%	+6.7%	+7.9%
ICE Dec	+34.8%	−2.1%	+7.4%	+4.3%	+25.9%	+11.2%	+5.1%	+2.8%	+18.8%	+7.5%
FITB Dec	−3.4%	−0.7%	−0.9%	+2.9%	−1.1%	+7.3%	−1.8%	−7.5%	−25.9%	−20.0%
WRB Dec	+6.2%	+0.4%	+0.1%	+2.7%	+18.1%	-	-	+8.7%	+12.3%	+7.8%
GPN Dec	-	+17.9%	−15.3%	+45.9%	+51.1%	+14.8%	+5.3%	+7.6%	+4.8%	−0.4%
STT Dec	−1.5%	+9.4%	+7.7%	−3.1%	−0.5%	+2.8%	+1.0%	−1.7%	+8.8%	+7.3%
BX Dec	+10.3%	+38.8%	−4.4%	+7.4%	−16.8%	+270%	−62.3%	−5.8%	+64.9%	+9.2%
EG Dec	+2.1%	+14.0%	+11.2%	+11.8%	+16.6%	+23.6%	+1.6%	+21.0%	+18.5%	+1.2%
Peer median	+4.1%	+0.4%	+0.1%	+7.4%	+16.6%	+10.9%	+1.3%	+2.8%	+8.8%	+7.3%

Gross margin, FY2016 to FY2025

Gross profit / revenue.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
CINF Dec	-	-	-	-	-	-	-	-	-	-
FIS Dec	33.2%	33.2%	33.9%	36.0%	33.5%	35.9%	35.6%	37.2%	37.6%	36.9%
AIZ Dec	-	-	-	-	-	-	-	-	-	-
ICE Dec	-	-	-	-	-	-	-	-	-	-
FITB Dec	-	-	-	-	-	-	-	-	-	-
WRB Dec	-	-	-	-	-	-	-	-	-	-
GPN Dec	-	-	-	-	-	-	-	-	-	-
STT Dec	-	-	-	-	-	-	-	-	-	-
BX Dec	-	-	-	-	-	-	-	-	-	-
EG Dec	-	-	-	-	-	-	-	-	-	-
Peer median	-	-	-	-	-	-	-	-	-	-

Operating margin, FY2016 to FY2025

Operating income / revenue.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
CINF Dec	-	-	-	-	-	-	-	-	-	-
FIS Dec	13.9%	16.5%	17.3%	9.4%	4.4%	11.1%	12.1%	14.7%	16.9%	16.3%
AIZ Dec	-	-	-	-	-	-	-	-	-	-
ICE Dec	36.4%	40.7%	41.2%	40.8%	36.8%	37.6%	37.8%	37.3%	36.6%	39.0%
FITB Dec	-	-	-	-	-	-	-	-	-	-
WRB Dec	-	-	-	-	-	-	-	-	-	-
GPN Dec	10.6%	14.1%	21.9%	16.1%	12.0%	15.9%	7.1%	17.8%	25.5%	22.8%
STT Dec	-	-	-	-	-	-	-	-	-	-
BX Dec	-	-	-	-	-	-	-	-	-	-
EG Dec	-	-	-	-	-	-	-	-	-	-
Peer median	13.9%	16.5%	21.9%	16.1%	12.0%	15.9%	12.1%	17.8%	25.5%	22.8%

Net margin, FY2016 to FY2025

Net income / revenue.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
CINF Dec	10.8%	18.2%	5.3%	25.2%	16.1%	30.8%	−7.4%	18.4%	20.2%	18.9%
FIS Dec	5.9%	14.5%	10.0%	2.9%	1.3%	4.5%	−172.3%	−67.7%	14.3%	3.6%
AIZ Dec	7.5%	8.1%	3.1%	4.0%	4.6%	13.4%	2.7%	5.8%	6.4%	6.8%
ICE Dec	23.9%	43.2%	31.7%	29.5%	25.3%	44.3%	15.0%	23.9%	23.4%	26.2%
FITB Dec	24.5%	31.0%	31.6%	30.1%	18.7%	35.1%	29.2%	27.0%	27.3%	28.0%
WRB Dec	7.9%	7.1%	8.3%	8.6%	12.4%	-	-	11.4%	12.9%	12.1%
GPN Dec	6.0%	11.8%	13.4%	8.8%	7.9%	11.3%	1.2%	13.4%	20.3%	18.2%
STT Dec	21.0%	19.1%	21.4%	19.1%	20.7%	22.4%	22.8%	15.9%	20.5%	21.1%
BX Dec	20.2%	20.6%	22.6%	27.9%	17.1%	25.9%	20.5%	17.3%	21.0%	20.9%
EG Dec	13.7%	4.1%	−1.7%	9.3%	2.7%	11.6%	5.0%	17.3%	7.9%	9.1%
Peer median	13.7%	14.5%	13.4%	9.3%	12.4%	17.9%	10.0%	15.9%	20.3%	18.2%

Free cash flow, FY2016 to FY2025

Cash from operations minus capital spending.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
CINF Dec	$1.1B	$1.0B	$1.2B	$1.2B	$1.5B	$2.0B	$2.0B	$2.0B	$2.6B	$3.1B
FIS Dec	$1.8B	$1.6B	$1.9B	$2.2B	$4.2B	$4.5B	$3.7B	$4.2B	$2.1B	$2.5B
AIZ Dec	$23.4M	$468.3M	$573.9M	$1.3B	$1.2B	$594.3M	$410.6M	$935.6M	$1.1B	$1.6B
ICE Dec	$1.9B	$1.9B	$2.4B	$2.5B	$2.7B	$2.9B	$3.3B	$3.4B	$4.2B	$4.3B
FITB Dec	$1.9B	$1.3B	$2.7B	$1.6B	$66.0M	$2.4B	$6.1B	$4.0B	$2.4B	$3.9B
WRB Dec	$797.5M	$595.2M	$570.3M	$1.1B	-	-	-	-	-	-
GPN Dec	-	$330.5M	$892.8M	$1.1B	$1.9B	$2.3B	$1.6B	$1.9B	$2.4B	$2.0B
STT Dec	$1.7B	$6.3B	$9.6B	$5.0B	$3.0B	−$7.5B	$11.2B	−$126.0M	−$14.1B	$10.8B
BX Dec	−$110.4M	−$1.7B	$27.4M	$1.9B	$1.8B	$3.9B	$6.1B	$3.8B	$3.4B	$4.5B
EG Dec	-	-	-	-	-	-	-	-	-	-
Peer median	$1.7B	$937.6M	$1.4B	$1.7B	$1.9B	$2.4B	$3.7B	$3.4B	$2.4B	$3.9B

FCF margin, FY2016 to FY2025

Free cash flow / revenue.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
CINF Dec	20.2%	18.1%	21.5%	14.9%	19.5%	20.4%	31.0%	20.3%	23.2%	24.5%
FIS Dec	20.2%	18.4%	22.2%	21.4%	33.3%	48.1%	38.2%	42.9%	20.5%	23.0%
AIZ Dec	0.3%	7.3%	7.1%	13.6%	12.7%	5.8%	4.0%	8.4%	9.4%	12.5%
ICE Dec	31.8%	31.9%	38.2%	38.3%	32.4%	32.1%	34.5%	33.8%	35.7%	33.9%
FITB Dec	30.2%	18.2%	38.4%	19.0%	0.9%	30.4%	72.6%	46.1%	28.4%	43.6%
WRB Dec	10.4%	7.7%	7.4%	13.7%	-	-	-	-	-	-
GPN Dec	-	8.3%	26.5%	22.1%	25.3%	26.8%	18.1%	25.6%	30.8%	26.5%
STT Dec	16.4%	55.8%	78.9%	42.2%	25.4%	−62.5%	92.3%	−1.0%	−108.1%	77.8%
BX Dec	−2.1%	−23.1%	0.4%	25.9%	29.9%	17.4%	71.6%	47.8%	25.9%	31.5%
EG Dec	-	-	-	-	-	-	-	-	-	-
Peer median	16.4%	13.3%	24.3%	21.7%	25.4%	26.8%	38.2%	33.8%	25.9%	31.5%

Return on equity, FY2016 to FY2025

Net income / shareholders' equity at the year end.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
CINF Dec	8.4%	12.7%	3.7%	20.2%	11.3%	23.3%	−4.6%	15.2%	16.4%	15.0%
FIS Dec	5.4%	11.8%	8.3%	0.6%	0.3%	0.9%	−61.5%	−34.9%	9.2%	2.7%
AIZ Dec	13.8%	12.2%	4.9%	6.8%	7.4%	24.9%	6.5%	13.4%	14.9%	14.9%
ICE Dec	9.1%	14.9%	11.6%	11.2%	10.7%	17.9%	6.4%	9.2%	10.0%	11.5%
FITB Dec	9.5%	13.5%	13.5%	11.8%	6.2%	12.5%	14.1%	12.3%	11.8%	11.6%
WRB Dec	11.9%	10.1%	11.8%	11.2%	20.5%	-	-	18.5%	20.9%	18.3%
GPN Dec	7.7%	12.3%	11.3%	1.5%	2.1%	3.8%	0.5%	4.3%	7.0%	6.1%
STT Dec	10.1%	9.7%	10.5%	9.2%	9.2%	9.8%	11.0%	8.2%	10.6%	10.6%
BX Dec	-	-	24.2%	29.2%	15.7%	62.2%	22.8%	20.4%	33.8%	34.8%
EG Dec	9.8%	3.3%	−1.6%	8.4%	2.7%	13.6%	7.1%	19.1%	9.9%	10.3%
Peer median	9.7%	12.0%	11.3%	9.2%	7.4%	13.0%	6.8%	12.3%	10.6%	11.5%

Debt / equity, FY2016 to FY2025

Total debt / shareholders' equity at the year end.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
CINF Dec	0.11	0.10	0.10	0.08	0.07	0.06	0.07	0.07	0.06	0.05
FIS Dec	1.08	0.82	0.88	0.41	0.41	0.43	0.74	1.00	0.72	0.94
AIZ Dec	-	0.25	0.39	0.36	-	-	-	-	-	-
ICE Dec	0.35	0.43	0.49	0.53	0.97	0.66	0.80	0.96	0.76	0.72
FITB Dec	0.89	0.92	0.89	0.71	0.65	0.53	0.79	0.85	0.97	0.67
WRB Dec	-	-	-	-	-	-	-	-	-	-
GPN Dec	1.69	1.23	1.29	0.33	0.34	0.45	0.61	0.71	0.73	0.94
STT Dec	0.54	0.52	0.45	0.51	0.53	0.49	0.60	0.79	0.92	0.90
BX Dec	-	-	1.63	1.65	0.86	0.83	1.63	1.70	1.40	1.45
EG Dec	-	-	-	-	-	-	-	-	-	-
Peer median	0.89	0.67	0.88	0.51	0.59	0.51	0.76	0.90	0.84	0.92

EPS (diluted), FY2016 to FY2025

Diluted earnings per share, on today's share count after splits.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
CINF Dec	$3.55	$6.29	$1.75	$12.10	$7.49	$18.24	−$3.06	$11.66	$14.53	$15.17
FIS Dec	$1.59	$3.75	$2.55	$0.66	$0.25	$0.67	−$27.74	−$11.26	$2.61	$0.73
AIZ Dec	$9.13	$9.39	$3.98	$5.84	$6.98	$22.66	$5.05	$11.95	$14.46	$16.93
ICE Dec	$2.39	$4.25	$3.43	$3.42	$3.77	$7.18	$2.58	$4.19	$4.78	$5.77
FITB Dec	$1.91	$2.81	$3.06	$3.33	$1.83	$3.73	$3.35	$3.22	$3.14	$3.53
WRB Dec	$4.68	$2.84	$3.33	$3.52	$3.29	-	-	$3.37	$4.36	$4.45
GPN Dec	$1.37	$3.01	$2.84	$2.16	$1.95	$3.29	$0.40	$3.77	$6.16	$5.78
STT Dec	$4.97	$5.19	$6.39	$5.38	$6.32	$7.19	$7.19	$5.58	$8.21	$9.40
BX Dec	$1.56	$2.21	$2.26	$3.03	$1.50	$8.13	$2.36	$1.84	$3.62	$3.87
EG Dec	$23.68	$11.70	$2.17	$24.70	$12.78	$34.62	$15.19	$60.19	$31.78	$37.80
Peer median	$2.39	$3.75	$3.06	$3.42	$3.29	$7.19	$2.96	$3.77	$4.78	$5.77

Fiscal years are lined up as each company's 10-K names them; the month next to a ticker is when its year ends. Hover a number for the XBRL line items and the filing; click it to open the filing on sec.gov. "n/m" means not meaningful: equity below zero, or a base so close to zero that the ratio says nothing. The peer median leaves out CINF and needs at least three peers with the number. P/E, P/S and P/FCF at each year end appear here once the site has daily prices. What the same companies write about AI, tariffs and more →

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